![](\"http:\/\/www.erzurumflas.com\/wp-content\/uploads\/2020\/10\/sigorta-tatbikatcilari-dernegi-12inci-uluslararasi-istanbul-sigortacilik-konferansi-basladi_c8838f4.jpg\")
Sigorta Tatbikat\u00e7\u0131lar\u0131 Derne\u011fi taraf\u0131ndan bu y\u0131l 12\u2019incisi d\u00fczenlenen \u0130stanbul Uluslararas\u0131 Sigortac\u0131l\u0131k Konferans\u0131 ba\u015flad\u0131.<\/p>\nSigorta Tatbikat\u00e7\u0131lar\u0131 Derne\u011fi taraf\u0131ndan bu y\u0131l 12\u2019incisi d\u00fczenlenen \u0130stanbul Uluslararas\u0131 Sigortac\u0131l\u0131k Konferans\u0131 ba\u015flad\u0131.<\/p>\n
Pandemi ko\u015fullar\u0131na uygun olarak dijital ortamda webinar olarak ba\u015flayan konferans\u0131n ilk iki oturumu yo\u011fun kat\u0131l\u0131mla ger\u00e7ekle\u015fti. Bin ki\u015filik kapasitenin a\u015f\u0131ld\u0131\u011f\u0131 konferans\u0131n 8 Ekim\u2019de yap\u0131lan ilk b\u00f6l\u00fcm\u00fcnde a\u00e7\u0131l\u0131\u015f konu\u015fmalar\u0131 ve sonras\u0131nda 2 ayr\u0131 oturumda \u201cSigortac\u0131l\u0131kta B\u00fcy\u00fcme F\u0131rsatlar\u0131\u201d ve \u201cYeni D\u00fczende \u00c7al\u0131\u015fma Hayat\u0131\u201d ba\u015fl\u0131klar\u0131 ele al\u0131nd\u0131. Genel moderasyonunu STD Ba\u015fkan Yard\u0131mc\u0131s\u0131 Menek\u015fe U\u00e7aro\u011flu\u2019nun yapt\u0131\u011f\u0131 12\u2019inci Uluslararas\u0131 \u0130stanbul Sigortac\u0131l\u0131k Konferans\u0131\u2019n\u0131n a\u00e7\u0131l\u0131\u015f konu\u015fmas\u0131n\u0131 yapan Sigorta Tatbikat\u00e7\u0131lar\u0131 Derne\u011fi Ba\u015fkan\u0131 Fahri Alt\u0131ng\u00f6z, d\u00fcnya ve T\u00fcrkiye sigorta sekt\u00f6r rakamlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rarak T\u00fcrkiye\u2019de sigortac\u0131l\u0131\u011f\u0131n b\u00fcy\u00fcme potansiyelinden bahsetti. Sekt\u00f6rde milat niteli\u011finde bir geli\u015fme olarak SEDDK\u2019n\u0131n resmen faaliyete ge\u00e7ti\u011fini hat\u0131rlatan Alt\u0131ng\u00f6z, \u201cSEDDK\u2019n\u0131n rekabet ortam\u0131n\u0131 destekleyici ve kurumsalla\u015fma s\u00fcrecine olumlu katk\u0131 sa\u011flay\u0131c\u0131 olaca\u011f\u0131na inanc\u0131m\u0131z tam\u201d dedi.<\/p>\n
Pandemi s\u00fcrecinin i\u015f yap\u0131\u015f bi\u00e7imleri, m\u00fc\u015fteri ihtiya\u00e7 ve beklentilerini de\u011fi\u015ftirerek teknoloji, insan kayna\u011f\u0131, siber g\u00fcvenlik konular\u0131n\u0131 \u00f6n plana \u00e7\u0131kartt\u0131\u011f\u0131n\u0131 ve bu alanlar\u0131n kritik \u00f6neme sahip oldu\u011funu belirten Alt\u0131ng\u00f6z, dijitalle\u015fme yat\u0131r\u0131mlar\u0131n\u0131 \u00f6nceden yapan, s\u00fcreci \u00e7evik y\u00f6netebilen, insan kayna\u011f\u0131na yat\u0131r\u0131m yapanlar\u0131n \u00f6n plana \u00e7\u0131kaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n
T\u00fcrkiye Sigorta Birli\u011fi Genel Sekreteri \u00d6zg\u00fcr Obal\u0131 ise, T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn mevcut durumu ve gelecek beklentileri ve stratejileri konusunda bilgiler verdi. Obal\u0131, T\u00fcrk sigorta sekt\u00f6r\u00fc aktif toplam\u0131n\u0131n 2020 ikinci \u00e7eyrek sonunda 272 milyar lira, 8.ay sonu rim \u00fcretimin ise 53,3 milyar lira oldu\u011funu, BES ve OKS\u2019de ise 12,5 milyon kat\u0131l\u0131mc\u0131 ve 157,8 milyar lira fon b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn oldu\u011funu belirtti. 2011-2019 y\u0131llar\u0131 birle\u015fik ortalama b\u00fcy\u00fcmenin (CAGR) y\u00fczde 19 oldu\u011funu s\u00f6yleyen Obal\u0131, 2019\u2019\u2018u 26.7 ile kapatt\u0131klar\u0131n\u0131, 2020 y\u0131l sonunda ise y\u00fczde 24 b\u00fcy\u00fcme beklediklerini ifade etti. Obal\u0131, kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131nda da \u00f6nemli bir potansiyelin varl\u0131\u011f\u0131ndan bahsederek, \u00f6n\u00fcm\u00fczdeki 3 y\u0131l i\u00e7erisinde y\u00fczde 10\u2019lara ula\u015faca\u011f\u0131n\u0131 beklediklerini s\u00f6yledi. 2020 y\u0131l\u0131 mevcut durum itibariyle bir \u00f6nceki y\u0131la g\u00f6re hasar\/prim oranlar\u0131nda hem hayat hem de hayat d\u0131\u015f\u0131nda daha pozitif bir seyir oldu\u011funu belirten Obal\u0131, \u015firketlerin 2020 6. ay itibar\u0131yla 5,7 milyar TL bilan\u00e7o k\u00e2r\u0131 elde etti\u011fini ifade etti. DASK\u2019ta \u00f6denen tazminat\u0131n 423 milyon lira (2000-2020) TARS\u0130M\u2019de \u00f6denen tazminat\u0131n 6,4 milyar lira (2006-2019) oldu\u011funu hat\u0131rlatan Obal\u0131, T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn 230 milyar lira fon, 8.2 milyar lira sermaye b\u00fcy\u00fckl\u00fc\u011f\u00fc ile finansal kesim i\u00e7erisinde \u00fclke ekonomisine katk\u0131 sa\u011flad\u0131\u011f\u0131n\u0131 belirtti. \u00d6n\u00fcm\u00fczdeki be\u015f y\u0131lda en h\u0131zl\u0131 dijitalle\u015fecek sekt\u00f6rlerin ba\u015f\u0131nda sigortac\u0131l\u0131\u011f\u0131n geldi\u011fini \u00f6ng\u00f6ren Obal\u0131, 2000 y\u0131l\u0131nda m\u00fc\u015fteri taraf\u0131nda ba\u015flayan dijitale d\u00f6n\u00fc\u015f\u00fcn 2025 y\u0131l\u0131nda tamamlanaca\u011f\u0131n\u0131, yeni d\u00f6nemde m\u00fc\u015fterinin tercihleri ve h\u0131zl\u0131 teminat alma iste\u011fi, kulland\u0131\u011f\u0131n kadar \u00f6de, ihtiyac\u0131n kadar al ve mod\u00fcler \u00fcr\u00fcnler gibi trendlerin geli\u015fiminin artaca\u011f\u0131n\u0131, ucuz olacaksa sens\u00f6r takt\u0131r\u0131r\u0131m diyenlerin artt\u0131\u011f\u0131n\u0131, d\u00fcnyada m\u00fc\u015fterilerin y\u00fczde 70\u2019nin internetten ara\u015ft\u0131rma yaparak, d\u00f6rtte birinin dijitalden ald\u0131\u011f\u0131n\u0131, T\u00fcrkiye\u2019de ise hen\u00fcz dijitalden sigorta sat\u0131\u015f oran\u0131n\u0131n y\u00fczde 3 oldu\u011funu, acenteye ise her zaman ihtiya\u00e7 duyulaca\u011f\u0131n\u0131, \u00f6zellikle kompleks \u00fcr\u00fcnlerde her zaman bu ihtiyac\u0131n s\u00fcrece\u011fini belirtti.<\/p>\n
T\u00fcrkiye Sigorta, Reas\u00fcrans ve Emeklilik \u015eirketleri Birli\u011fi Ba\u015fkan\u0131 Atilla Benli ise, yapt\u0131\u011f\u0131 konu\u015fmada istikrarl\u0131 ve s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmenin \u00f6nemli oldu\u011funu, bununla birlikte b\u00fcy\u00fcmenin niteli\u011finin de son derece \u00f6nemli oldu\u011funu vurgulad\u0131. Benli, \u201c\u00dclkemizde sigorta sekt\u00f6r\u00fcnde gidilecek \u00e7ok yolumuz var. Sigortac\u0131l\u0131\u011f\u0131n GSYH oran\u0131 d\u00fcnyada y\u00fczde 6 iken T\u00fcrkiye\u2019de y\u00fczde 2 d\u00fczeyinde, ekonominin sa\u011fl\u0131kl\u0131 b\u00fcy\u00fcmesi i\u00e7in sigorta sekt\u00f6r\u00fc \u00f6nemli bir katk\u0131 sa\u011flayacak. Uzun d\u00f6nemli fonlamada sigorta sekt\u00f6r\u00fc olarak en \u00f6n s\u0131ralarda bulunaca\u011f\u0131z. Bankac\u0131l\u0131k d\u0131\u015f\u0131 finans sekt\u00f6r\u00fcn\u00fc ve sigortac\u0131l\u0131\u011f\u0131 b\u00fcy\u00fctmek i\u00e7in Kamunun deste\u011fini de arkam\u0131zda hissediyoruz. Mevduat- kredi modeli k\u0131r\u0131lganl\u0131klar i\u00e7eriyor ve d\u00fcnyadaki uygulamalarda sigortac\u0131l\u0131\u011f\u0131n b\u00fcy\u00fct\u00fclerek k\u0131r\u0131lganl\u0131\u011f\u0131n geride b\u0131rak\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Yeni Ekonomi Program\u0131nda de yer alan tasarruflar\u0131n artt\u0131r\u0131lmas\u0131 ve bireysel tasarruflar\u0131n sekt\u00f6r\u00fcm\u00fcze gelmesi de \u00f6ncelikli konular\u0131m\u0131z aras\u0131nda yer al\u0131yor\u201d dedi.<\/p>\n
Benli, tar\u0131m ve do\u011fal afet sigortalar\u0131n\u0131n kapsam\u0131n\u0131n geni\u015fletilmesinin hayat d\u0131\u015f\u0131 sigortac\u0131l\u0131\u011f\u0131n odaklar\u0131 aras\u0131nda yer alaca\u011f\u0131n\u0131, kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 alan\u0131nda da \u00f6nemli \u00f6devleri oldu\u011funu, SEDDK\u2019ya yap\u0131lan liyakat bazl\u0131 atamalar\u0131n ve T\u00fcrk Re\u2019nin kurulmas\u0131 ile artan kapasite ve esnek reas\u00fcrans \u00e7\u00f6z\u00fcmlerinin olu\u015fturdu\u011fu rekabet ortam\u0131n\u0131n olduk\u00e7a olumlu geli\u015fmeler sa\u011flad\u0131\u011f\u0131n\u0131, son olarak kamu sigorta \u015firketlerinin birle\u015fmesiyle \u00fclkemizdeki sigorta sekt\u00f6r\u00fcn\u00fcn k\u00fcresel rekabette at\u0131l\u0131m yapmas\u0131, ekonomideki pay\u0131n artt\u0131r\u0131lmas\u0131 ve sekt\u00f6r\u00fcn dinamik bir yap\u0131ya katk\u0131 sa\u011flamas\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli olaca\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n
Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131 T\u00fcrker G\u00fcrsoy da konu\u015fmas\u0131nda, kurumun temel \u00f6nceli\u011finin t\u00fcketicilerin korunmas\u0131, sigorta ve emeklilik sekt\u00f6r\u00fcndeki oyunculardan en iyi \u015fekilde hizmet almas\u0131 oldu\u011funu vurgulayarak, dijitalle\u015fmenin sadece sekt\u00f6r\u00fcn de\u011fil SEDDK\u2019n\u0131n da faaliyetlerini ve kurumsal yap\u0131s\u0131n\u0131 d\u00f6n\u00fc\u015ft\u00fcr\u00fcp geli\u015ftirdi\u011fini s\u00f6yledi. G\u00fcrsoy, \u015firketlerin SBM ve EGM entegrasyonlar\u0131n\u0131n \u00e7ok \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131, SEDDK denetim ve g\u00f6zetim faaliyetlerinin odak noktas\u0131nda teknoloji olaca\u011f\u0131n\u0131 vurgulad\u0131. Denetim faaliyetlerinin \u00f6ncelikli \u015fekilde uzaktan planland\u0131\u011f\u0131n\u0131 belirten G\u00fcrsoy, \u201c\u00d6nemli projeler ba\u015flat\u0131ld\u0131 ve devam ediyor. SEDDK olarak sermaye yeterlili\u011fi kavram\u0131n\u0131n \u00f6tesinde daha geni\u015f bir a\u00e7\u0131yla kurumsal yeterlilik kavram\u0131n\u0131 \u00f6nemsiyoruz. Risk odakl\u0131 bir yakla\u015f\u0131m ile s\u00fcre\u00e7 y\u00f6netimi, g\u00f6zetim ve denetim yapmay\u0131 hedefliyor olaca\u011f\u0131z. Bu noktada teknoloji \u00f6nemli kaynaklar\u0131m\u0131z\u0131n ba\u015f\u0131nda geliyor. \u0130\u015f s\u00fcre\u00e7leri ile bilgi teknolojilerinin uyumuna olan ihtiya\u00e7 her zamankinden daha \u00f6nemli hale geldi. Kurumsal risk y\u00f6netimi, sermaye yeterlili\u011fi konusunda uluslararas\u0131 standartlar\u0131 yak\u0131ndan takip ediyoruz\u201d diye konu\u015ftu.<\/p>\n
IFRS\u201917\u2019ye kademeli bir ge\u00e7i\u015f sa\u011flayacaklar\u0131n\u0131, sekt\u00f6r kaynaklar\u0131n\u0131n zayi olmamas\u0131 i\u00e7in de \u00e7aba sarf edeceklerini belirten G\u00fcrsoy, \u201cAcentelerimizin, brokerlerimizin dijitale uyum sa\u011flamas\u0131na da en \u00f6nemli \u015fekilde destek verece\u011fiz, mesafeli sat\u0131\u015f konusunu \u00e7al\u0131\u015f\u0131yoruz. SEDDK olarak sigortal\u0131lar\u0131 ve piyasa disiplinini korumak y\u00f6n\u00fcnde \u00e7al\u0131\u015farak sekt\u00f6r\u00fcn destek\u00e7isi olmaya devam edece\u011fiz. Bunu yaparken t\u00fcm payda\u015flar\u0131n ve TSB\u2019nin bizim i\u00e7in \u00e7ok k\u0131ymetli olu\u011funun alt\u0131n\u0131 \u00e7izmek isteriz\u201d dedi.<\/p>\n
Sigortac\u0131l\u0131\u011f\u0131n b\u00fcy\u00fcme potansiyelini ger\u00e7ekle\u015ftirmek i\u00e7in oto d\u0131\u015f\u0131 alan\u0131 b\u00fcy\u00fctmeye mecbur olduklar\u0131n\u0131 vurgulayan G\u00fcrsoy, bu konularda mevzuat altyap\u0131s\u0131n\u0131 haz\u0131rlamak i\u00e7in \u00f6nemli projelerimiz olacak. Finansal sigortalar, tar\u0131m sigortalar\u0131, sa\u011fl\u0131k sigortalar\u0131 alan\u0131nda b\u00fcy\u00fcme potansiyelinin oldu\u011funu g\u00f6r\u00fcyoruz, \u00c7ift\u00e7i Kay\u0131t Sistemine kay\u0131tl\u0131 137 milyon dekar tar\u0131m arazisinin 26 milyon dekar\u0131 sigortal\u0131, yani penetrasyon y\u00fczde 18, burada ciddi bir potansiyel var\u201d ifadelerini kulland\u0131.<\/p>\n
“Sekt\u00f6r\u00fcm\u00fcz\u00fcn \u00f6nemli hedeflerinden biri finansal istikrara katk\u0131 sa\u011flamak” diyen G\u00fcrsoy, kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131na dikkat \u00e7ekerek, \u201cYEP\u2019te de yerini bulan kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131n\u0131n uluslararas\u0131 standartlara uyum sa\u011flamas\u0131 ve geli\u015ftirilmesi \u00f6n planda yer al\u0131yor. BES altyap\u0131s\u0131 arac\u0131l\u0131\u011f\u0131yla emeklilik tasarruflar\u0131n\u0131n tabana yay\u0131lmas\u0131, gen\u00e7lerin sisteme dahil edilmesi, yurt d\u0131\u015f\u0131nda ya\u015fan vatanda\u015flar\u0131m\u0131z\u0131n sisteme dahil edilmesi gibi \u00f6nemli \u00e7al\u0131\u015fmalar g\u00fcndemimizde olmaya devam ediyor\u201d ifadelerine yer verdi.<\/p>\n
\u0130kinci oturumunun moderat\u00f6r\u00fc AXA Sigorta CEO\u2019su Yavuz \u00d6lken, uzun bir s\u00fcredir ilk defa trafik sigortas\u0131 konu\u015fulmayan bir sempozyumda bir\u00e7ok yeni ve farkl\u0131 \u00fcr\u00fcn\u00fc, teknolojiyi, b\u00fcy\u00fcmeyi konu\u015fman\u0131n verdi\u011fi mutlulu\u011fu ya\u015fad\u0131\u011f\u0131n\u0131 belirterek, herkesin b\u00fcy\u00fcme ve sekt\u00f6r\u00fcn geli\u015fmesi konusunda hemfikir oldu\u011funun g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc s\u00f6yledi. Uzun zamand\u0131r ilk kez hayat taraf\u0131nda y\u00fczde 66-67 gibi b\u00fcy\u00fck bir b\u00fcy\u00fcme oldu\u011funu, emeklilikte de 150 milyar liray\u0131 ge\u00e7en bir gidi\u015f oldu\u011funu belirten \u00d6lken, hayat d\u0131\u015f\u0131nda da y\u00fczde 16 b\u00fcy\u00fcme oldu\u011funu belirtti. \u00d6lken, di\u011fer taraftan hayat d\u0131\u015f\u0131nda girenler \u00e7\u0131kanlar diye bakt\u0131ktan sonra ya\u015fayan m\u00fc\u015fteri bak\u0131m\u0131ndan neredeyse b\u00fcy\u00fcme olmad\u0131\u011f\u0131n\u0131 dip not olarak d\u00fc\u015ft\u00fc. Bran\u015flar itibariyle penetrasyon ve sigortas\u0131zl\u0131k oranlar\u0131ndan bahseden \u00d6lken, “Hepimizin ev \u00f6devi olarak \u2018Fark\u0131ndal\u0131k, tabana yaymak, tamamlay\u0131c\u0131 sa\u011fl\u0131k lokomotif, ucunu b\u0131rakmayaca\u011f\u0131z, unutturmayaca\u011f\u0131, sigortac\u0131lar olarak hepimizin \u00f6n\u00fcnde h\u0131zl\u0131 bir s\u00fcre\u00e7 var” dedi. \u00d6lken, bir soruya verdi\u011fi cevapta, “Zorunlu sigortalar sigorta b\u00fcy\u00fcmesinde \u015fartt\u0131r, hepimizin sevmedi\u011fi \u015fey zorunlu tarifelerdir” dedi.<\/p>\n
Garanti Emeklilik Genel M\u00fcd\u00fcr\u00fc Burak Ali G\u00f6\u00e7er, \u201cCovid-19 d\u00f6neminde hayat ve emeklilik taraf\u0131nda iyi bir s\u00fcre\u00e7 ge\u00e7irdik. 18 ya\u015f alt\u0131na BES\u2019in kat\u0131lmas\u0131 b\u00fcy\u00fck bir potansiyel bar\u0131nd\u0131r\u0131yor. OKS ba\u015fl\u0131 ba\u015f\u0131na kocaman bir pazar\u0131 ifade ediyor. Do\u011fru sat\u0131\u015f kanal\u0131nda do\u011fru \u00fcr\u00fcnlerle m\u00fc\u015fterilere dokunmak gerekiyor, y\u00fczde 70 \u00e7\u0131k\u0131\u015f olsa da BES te kazanamad\u0131\u011f\u0131m\u0131z m\u00fc\u015fteri OKS ile kazan\u0131ld\u0131. Hayat taraf\u0131nda olumlu geli\u015fmeler var\u201d dedi.<\/p>\n
T\u00fcrkiye Hayat ve Emeklilik Genel M\u00fcd\u00fcr\u00fc Cenk Kurt, \u201cKi\u015fi ba\u015f\u0131 sigorta \u00fcretiminin d\u00fcnyada 800 dolar, bizde ise 130 dolar oldu\u011funu, OECD\u2019nin \u00f6zel emeklilik raporunda yurtd\u0131\u015f\u0131nda emeklilik fonlar\u0131 ortalama y\u00fczde 49 paya sahip hatta y\u00fczde 190 pay\u0131 olan \u00fclke bile var.\u201d Diyerek, \u201cSekt\u00f6r\u00fcm\u00fcz\u00fcn ciddi bir potansiyele sahip oldu\u011funu ve geli\u015fim f\u0131rsat\u0131 oldu\u011funu g\u00f6r\u00fcyoruz. Ortalama gelir dikkate al\u0131nd\u0131\u011f\u0131nda \u00e7ok ciddi bir geli\u015fim alan\u0131 bulunuyor. BES taraf\u0131nda reel getiriler ve devlet katk\u0131s\u0131 ile b\u00fcy\u00fck bir yol kat ettik. 18 ya\u015f alt\u0131n\u0131n da sisteme kat\u0131lmas\u0131 b\u00fcy\u00fcme i\u00e7in ciddi bir potansiyel bar\u0131nd\u0131r\u0131yor, hayat\u0131n i\u00e7inden \u00fcr\u00fcnleri, ihtiyac\u0131 oldu\u011fu anda m\u00fc\u015fteriyle bulu\u015fturmal\u0131y\u0131z\u201d dedi.<\/p>\n
Milli Reas\u00fcrans Genel M\u00fcd\u00fcr\u00fc Fikret Utku \u00d6zdemir, \u201cT\u00fcrkiye\u2019nin olmas\u0131 gereken yerde olmad\u0131\u011f\u0131nda hepimiz hem fikiriz, sekt\u00f6r adeta ekonomik aktivitenin barometresini elinde tutuyor\u201d diyerek, \u201cGSMH b\u00fcy\u00fcd\u00fck\u00e7e primler de art\u0131yor ama art\u0131\u015f\u0131n yeterli olmad\u0131\u011f\u0131 da ortada yine de karamsar olmamam\u0131z gerekiyor\u201d dedi.<\/p>\n
\u00d6zdemir, \u201cBakt\u0131\u011f\u0131m\u0131z zaman, bankac\u0131l\u0131k sekt\u00f6r\u00fc de avro b\u00f6lgesiyle k\u0131yasland\u0131\u011f\u0131nda benzer sonu\u00e7lar g\u00f6r\u00fcyoruz. Bizde bankac\u0131l\u0131k aktifi bizde y\u00fczde 105\u2019i ge\u00e7miyor ama avro b\u00f6lgesinde \u00e7ok daha fazla. Yani bu fark t\u00fcm finansal piyasalarda s\u00f6z konusu, sadece sigortac\u0131l\u0131kta de\u011fil. Finansal piyasalar geli\u015ftik\u00e7e sigorta da geli\u015fecek, enseyi karartmayal\u0131m\u201d \u015feklinde konu\u015ftu.<\/p>\n
Quick Sigorta Genel M\u00fcd\u00fcr\u00fc Ahmet Ya\u015far, \u201cD\u00fcnya Bankas\u0131\u2019n\u0131n 2020 y\u0131l\u0131nda d\u00fcnya ekonomisinde y\u00fczde 5,5, d\u00fcnya ticaretinde de y\u00fczde 18 daralma bekledi\u011fini, bunun 2. D\u00fcnya Sava\u015f\u0131\u2019ndan bu yana en b\u00fcy\u00fc, 1929 buhran\u0131ndan bu yana en geni\u015f daralman\u0131n ya\u015fanaca\u011f\u0131 anlam\u0131na geldi\u011fini s\u00f6yleyerek, \u201cT\u00fcm bunlara ra\u011fmen biz bug\u00fcn b\u00fcy\u00fcmekten bahsediyoruz. Bir kere bu son derece olumlu, \u00fclkemiz bu y\u0131l y\u00fczde 0,3 l\u00fck bir b\u00fcy\u00fcme tahmini yaparken, ne mutlu ki sekt\u00f6r\u00fcm\u00fczde y\u00fczde 24\u2019l\u00fck bir b\u00fcy\u00fcme bekliyoruz ve ciddi manada reel b\u00fcy\u00fcme ya\u015f\u0131yoruz\u201d dedi.<\/p>\n
Ya\u015far, \u201cKredi Kartl\u0131 \u00f6demeler verisinden de g\u00f6rece\u011fimiz gibi Mart ve Nisan aylar\u0131nda a\u015fa\u011f\u0131 do\u011fru bir daralma varken, Haziran\u2019dan itibaren ekonomide ve ticarette k\u00fcresel anlamda daralmalar beklenirken sigortada bug\u00fcn b\u00fcy\u00fcmeyi konu\u015fuyoruz, ba\u015fl\u0131 ba\u015f\u0131na \u00f6nemli bir konu. T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn \u00f6n\u00fcm\u00fczdeki d\u00f6nemde b\u00fcy\u00fcyece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum. Sekt\u00f6r SEDDK, T\u00fcrk Re, Kamu birle\u015fmeleri, konsolidasyonlar ile asl\u0131nda yap\u0131sal olarak geli\u015fimini tamamlad\u0131, bundan sonras\u0131 penetrasyon ve b\u00fcy\u00fcme art\u0131k \u00f6n\u00fcm\u00fczdeki d\u00f6nemde penetrasyon ve b\u00fcy\u00fcmeyi konu\u015fmam\u0131z gerekiyor. B\u00fcy\u00fcyoruz ama dolar olarak bakarsak, kura ba\u011fl\u0131 10 -12 milyar dolar aras\u0131nda dola\u015f\u0131p duruyoruz. Sigorta sekt\u00f6r\u00fc ekonomik b\u00fcy\u00fckl\u00fc\u011f\u00fcm\u00fczden d\u00fc\u015f\u00fck seviyede. \u00dclkemiz d\u00fcnya s\u0131ralamas\u0131nda 17-19\u2019larda iken Sekt\u00f6r olarak 39. s\u0131rada olmak bize yak\u0131\u015fm\u0131yor, ekonomimiz ile ayn\u0131 seviyede olmam\u0131z ilk 20 ye girmemiz gerekiyor\u201d dedi.<\/p>\n
Ya\u015far, pandeminin ve 2020\u2019de ya\u015fanan \u00e7ok \u00e7e\u015fitli hasarlar\u0131n fark\u0131ndal\u0131\u011f\u0131 art\u0131rd\u0131\u011f\u0131n\u0131, i\u015fler k\u00f6t\u00fcye giderken de\u011ferlerimizi koruman\u0131n daha zor oldu\u011funu bu sebeple onlar\u0131 koruman\u0131n \u00f6nemli oldu\u011funu sigortan\u0131n \u00f6ne ge\u00e7mesi i\u00e7in gerekli fark\u0131ndal\u0131\u011f\u0131n olu\u015fmaya ba\u015flad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc belirtti. Hayat d\u0131\u015f\u0131ndaki \u00f6zel \u00fcr\u00fcnler ile ilgili de konu\u015fan Ahmet Ya\u015far, \u201cSigortac\u0131l\u0131k varl\u0131\u011f\u0131nda \u00e7ok fark edilmiyor ama yoklu\u011funda hayat duruyor. Art\u0131k \u00fclke stratejisi olarak da, sigortac\u0131l\u0131\u011f\u0131n \u00fclke kalk\u0131nmas\u0131nda do\u011frudan etkili olmas\u0131 bekleniyor. Finansal sigortalar olarak gidebilece\u011fimiz yer a\u00e7\u0131s\u0131ndan bakt\u0131\u011f\u0131m\u0131zda kefalet sigortalar\u0131n\u0131 prim olarak b\u00fcy\u00fctebiliriz. Gayri nakdi kredi olan teminat mektuplar\u0131 yani kefalet senetlerini sekt\u00f6r olarak \u00fcstlendi\u011fimizde nakdi kredilerin de \u00f6n\u00fcn\u00fc a\u00e7\u0131yoruz, bu da yeni yat\u0131r\u0131mlar\u0131n yani yeni istihdam\u0131n, yeni vergi gelirlerinin \u00f6n\u00fcn\u00fc a\u00e7mak demek. Bina tamamlama sigortas\u0131n\u0131n da hem konut al\u0131c\u0131lar\u0131 hem konut yat\u0131r\u0131mc\u0131lar\u0131 hem de m\u00fcteahhitler a\u00e7\u0131s\u0131ndan \u00e7ok \u00f6nemli bir \u00fcr\u00fcn oldu\u011funu belirten Ya\u015far, bu alanda arz problemi ya\u015fan\u0131yor. \u00c7ok temkinli ve \u00e7ok dikkatli \u00e7al\u0131\u015fmas\u0131 gereken bir alan. Pandemi d\u00f6neminde dijitalle\u015fmenin artmas\u0131yla siber riskler konusunda gidilecek \u00e7ok yol oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Kefalet sigortalar\u0131, Bina Tamamlama, Fatura Koruma, Depozito Sigortas\u0131 gibi finansal sigorta t\u00fcrevleri \u00f6nemli b\u00fcy\u00fcme f\u0131rsatlar\u0131 ta\u015f\u0131yor. Sigortac\u0131l\u0131\u011f\u0131n \u00fclkenin kalk\u0131nmas\u0131na ciddi katk\u0131lar\u0131n\u0131n olmas\u0131 gerekiyor\u201d dedi.<\/p>\n
T\u00fcrkiye Sigorta Genel M\u00fcd\u00fcr\u00fc Alper Karayazgan, Covid-19 sebebiyle t\u00fcm d\u00fcnya ekonomisinin bir anda durma noktas\u0131na geldi\u011fini ama sigorta sekt\u00f6r\u00fcn\u00fcn bu durgunlu\u011fa \u00e7ok dahil olmad\u0131\u011f\u0131n\u0131 belirten Karayazgan, \u201c\u00d6zellikle tamamlay\u0131c\u0131 sa\u011fl\u0131k bir anda \u00f6n plana \u00e7\u0131kt\u0131. Online platformlar ile birlikte sigorta sekt\u00f6r\u00fcn\u00fcn s\u00fcrece ne kadar haz\u0131rl\u0131kl\u0131 oldu\u011funu g\u00f6rd\u00fck. Sigortac\u0131l\u0131k art\u0131k gen\u00e7lerin de konu\u015fmaya ba\u015flad\u0131\u011f\u0131 bir konu haline geldi. Do\u011fal afetlerin meydana getirdi\u011fi hasarlar insanlarda sigorta bilinirli\u011fini art\u0131r\u0131yor. Sigorta bilincinin yayg\u0131nla\u015fmas\u0131 gerekiyor ki ihtiyac\u0131 g\u00f6sterelim. Korkutarak de\u011fil bu risklerin varl\u0131\u011f\u0131n\u0131 g\u00f6stermemiz ve sigortay\u0131 tabana yaymam\u0131z gerekiyor. Salg\u0131nla birlikte tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131n sigortay\u0131 konu\u015fulur. Tamamlay\u0131c\u0131 sa\u011fl\u0131\u011fa olan ilgi artt\u0131, sigortay\u0131 halka anlatmay\u0131 kolayla\u015ft\u0131rd\u0131\u201d dedi.<\/p>\n
Anadolu Sigorta Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Mehmet Abac\u0131 yapt\u0131\u011f\u0131 sunumda, teknolojik de\u011fi\u015fimden en \u00e7ok etkilenen sekt\u00f6r\u00fcn sigortac\u0131l\u0131k oldu\u011funu s\u00f6yleyerek \u015funlar\u0131 s\u00f6yledi:<\/p>\n
\u201cCovid-19 d\u00f6neminde sigorta \u015firketleri \u00f6nceden yapt\u0131klar\u0131 dijital yat\u0131r\u0131mlar sayesinde ciddi sorunlar ya\u015famad\u0131 ve y\u0131k\u0131c\u0131 de\u011fi\u015fime hep birlikte uyum sa\u011flad\u0131k. 350 y\u0131ll\u0131k sigortac\u0131l\u0131k tarihinde benzeri bir de\u011fi\u015fim ya\u015fanmad\u0131. Kurumlar\u0131n i\u00e7indeki de\u011fi\u015fim h\u0131z\u0131 teknolojiye ayak uydurmal\u0131. D\u00fcnyada Lemonade ve Trov k\u00fc\u00e7\u00fck startup\u2019lar \u00e7ok h\u0131zl\u0131 davranabiliyor ve \u00e7ok etkinler. \u00dclkemizdekilerin \u00e7ok fazla olmad\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz, mevcutlar ise genelde k\u0131yaslama siteleri. Insurtechler ald\u0131klar\u0131 yat\u0131r\u0131mlar ile gelece\u011fin sigorta \u015firketleri haline gelebilirler. B\u00fcy\u00fck teknoloji devlerinin de sigortaya ciddi yat\u0131r\u0131mlar\u0131 var. Google \u00e7ok say\u0131da insurtech\u2019e yat\u0131r\u0131m yap\u0131yor. Otonom ara\u00e7lar kap\u0131da. Tesla gibi \u015firketler ara\u00e7larla birlikte sigorta sat\u0131\u015f\u0131 da yap\u0131yor. 75 milyar cihaz\u0131n ba\u011fl\u0131 oldu\u011fu nesnelerin interneti, sekt\u00f6r\u00fc en \u00e7ok etkileyen fakt\u00f6rler aras\u0131nda olacak. Ak\u0131ll\u0131 ev sistemleriyle evimizdeki t\u00fcm cihazlar bize bilgi verecek. Nesnelerin interneti sigortac\u0131l\u0131\u011f\u0131 da proaktif bir yap\u0131ya \u00e7evirecek. Hasar olmadan riski \u00f6nleyen konuma eri\u015fmeliyiz. Intel, Google, Amazon gibi firmalarla i\u015f ortakl\u0131klar\u0131yla i\u015f s\u00fcre\u00e7lerimizi geli\u015ftirmeliyiz. Teknolojinin kullan\u0131m\u0131 tek ba\u015f\u0131na yeterli de\u011fil. Bunu kurumsal d\u00f6n\u00fc\u015f\u00fcmle desteklemezsek ba\u015far\u0131 k\u0131s\u0131tl\u0131 olacak ve beklenen fayda sa\u011flanamayacakt\u0131r. Yapay zeka kullan\u0131m\u0131 \u015firketleri ayr\u0131\u015ft\u0131racakt\u0131r.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"
S\u0130GORTA TATB\u0130KAT\u00c7ILARI DERNE\u011e\u0130 TARAFINDAN BU YIL 12’\u0130NC\u0130S\u0130 D\u00dcZENLENEN \u0130STANBUL ULUSLARARASI S\u0130GORTACILIK KONFERANSI BA\u015eLADI.<\/p>\n","protected":false},"author":1,"featured_media":1539047,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1,20],"tags":[34542,2568,13378,1112,12981,2969,93858,111872,5119],"class_list":["post-1539046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-gundem","category-turkiye","tag-12inci","tag-basladi","tag-dernegi","tag-istanbul","tag-konferansi","tag-sigorta","tag-sigortacilik","tag-tatbikatcilari","tag-uluslararasi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts\/1539046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1539046"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts\/1539046\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/media\/1539047"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1539046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1539046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1539046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}